Independent valuation report · from $19
Is your total loss offer too low? Check it against real cars for sale near you.
Your insurer’s number comes from its own valuation company. Ours is independent: a market value range for your car, built from comparable cars for sale near your ZIP code, with a link to every listing so your adjuster can check them.
What’s in the report
Your car’s market value range
A low, market and high value for your car, so you can see where the insurer’s number falls.
10 comparable cars for sale
Cars like yours for sale near your ZIP code, each with mileage, asking price, days on market, dealer and a link to the listing.
Your car’s details, from the VIN
Trim, engine, drivetrain and body style, so the comparison is like for like.
A market chart
Where the listings’ prices fall and where your car sits among them.
A next-steps guide
Five steps: what to do first, gathering evidence, building your counter-offer, negotiating, and escalating if the insurer won’t move.
A PDF you can send
Print it or save it, and attach it to your counter-offer.
See a sample report
Open it to see the full layout: the car’s details, the market chart and the comparable cars.
2021 BMW X3
5UXTY5C20M9D79146
Vehicle Specifications
Market Distribution & Analysis
Based on 158 live comparable listings from recent market data
Market Comparables
| Photo | Vehicle | Mileage | Price | Days | Dealer |
|---|---|---|---|---|---|
 | 2021 BMW X3 30i | 67,095 mi | $23,077 | 149 | Trolley Square Auto |
 | 2021 BMW X3 30i | 67,419 mi | $22,963 | 188 | Nucar |
 | 2021 BMW X3 30i | 66,622 mi | $23,502 | 35 | Habberstad Bmw |
GUARANTEE
2021 BMW X3
5UXTY5C20M9D79146
How to use it to dispute a low offer
- 1
Get the insurer’s valuation report
Ask for it in writing. Most insurers use CCC, Mitchell or J.D. Power. How to read a CCC or Mitchell report
- 2
Compare their comparable cars with ours
Look for cars with a lower trim, more miles, or from far away. Those pull the value down. How to challenge the insurer’s comps
- 3
Send a written counter-offer with the report attached
Name the value you’re asking for and point to the listings that support it. Counter-offer letter template
- 4
If they won’t move, use the appraisal clause
Most auto policies let either side ask for an independent appraisal when you can’t agree on the value. Appraisal clause guide
Not sure your car counts as totaled, or what the settlement should include? Try the free total loss calculator.
Price
Enter your car first; you choose a plan on the next page. Nothing is charged until you check out.
Basic Report
$19- Real market data from 450M+ vehicle listings
- Valuations accurate to within 5% of actual sale price
- High/low range with actual vehicle valuation
- 10 verified live listings for comparison
- Covers 25+ model years with equipment-level precision
Premium Report
$25Most popular
- Real market data from 450M+ vehicle listings
- Valuations accurate to within 5% of actual sale price
- High/low range with actual vehicle valuation
- 10 verified live listings for comparison
- Covers 25+ model years with equipment-level precision
- Two free report refreshes with updated listings
- Money-back guarantee if we don't beat your insurer's offer
Premium includes our money-back guarantee.
Get your valuation report
Enter your car’s VIN, mileage and ZIP code. You’ll see the plans next, and nothing is charged until you check out.
Questions
How is this different from my insurer’s valuation?
Your insurer’s number usually comes from a valuation company it pays, such as CCC, Mitchell or J.D. Power, with adjustments that are hard to check. Our report is independent: it shows the cars for sale near you that the value is based on, with a link to each listing, so you and your adjuster can check every one.
Does the insurer have to accept it?
No. It’s evidence for your counter-offer. Adjusters respond to specific comparable cars they can check, and that is what the report gives you. If they still won’t move, most policies have an appraisal clause.
What if there aren’t enough cars like mine for sale?
This happens more with older or less common cars. We don’t send a thin report: if we can’t find enough comparable cars, we research it by hand or refund you.
What does it cost?
Basic Report: $19. Premium Report: $25. You choose after entering your car, and nothing is charged until you check out.
The report is independent market research to support your conversation with your insurer. It is not a licensed appraisal or legal advice.